2. The original and photocopy of the ID card, marriage certificate or household registration book of the mortgagor and his wife;
3.* * If there is a house, the original written proof that * * * someone agrees to mortgage must be provided;
4. If the parties to the mortgage cannot reach an agreement on the value of the mortgaged property, it shall be determined by the real estate appraisal agency and provide an appraisal report.
The process of mortgage bank loan processing:
1. The borrower applies and submits relevant materials;
2. Conduct real estate appraisal and pre-loan investigation and approval;
3. After approval, go through the mortgage registration formalities;
4. When granting loans, the borrower shall repay the principal and interest of the loans on a regular basis as agreed in the contract;
5. Settle the loan principal and interest and recover the mortgaged house.
Bank housing mortgage loan processing:
(1) Lender application
The borrower goes to the loan bank to fill in the Application Form for Personal Housing Loan and submit the following materials: ① the borrower's ID card and household registration book; (2) Letter of Intent for House Purchase or other supporting documents; (3) A certificate of stable income of the borrower's family issued by the borrower's unit; (4) Other certificates required by the lending bank.
(2) the loan bank review
The loan bank examines the borrower's loan application and other supporting materials, issues a loan commitment letter after passing the examination, and signs a mortgage contract with the borrower.
(3) The borrower signs a house purchase contract with the selling unit;
The borrower signs the purchase contract with the selling unit with the loan commitment letter issued by the loan bank, and requires the selling unit to sign the purchase contract.
(4) The borrower shall take out insurance for the mortgaged house.
The borrower holds the house purchase contract to the insurance institution designated by the loan bank to handle the insurance of the mortgaged house.
(5) The borrower signs a personal housing mortgage loan contract with the loan bank.
The borrower holds a house purchase contract, mortgage contract, custody contract and insurance policy, and signs a personal housing mortgage loan contract with a third party (legal person) guarantor at the loan bank, and goes through the mortgage registration with the real estate management authority within 30 days. If the parties request notarization, they can go to the notary office for notarization.
(6) The loan bank transfers funds
The loan bank will transfer the loan to the deposit account of the selling unit in the loan bank as stipulated in the purchase contract.
References:
Mortgage _ Baidu Encyclopedia